摘要
将商业保险引入建筑物防震减灾是减少地震损失的一种有效经济手段。对建筑物地震保险进行讨论,对地震保险的形式、承保—理赔机制、保险基金等主要问题作了详细的阐述,建议将年震害期望损失比作为纯费率厘定的主要原则,同时以未来一段时间内的最大期望损失率估算地震保险基金的规模。
The introduction of a commercial insurance in the field of earthquake disaster prevention and mitigation of buildings has been proved to be an effective economic measure for decreasing the earthquake loss. In this paper some problems for the earthquake insurance of buildings are discussed. Formalities of the earthquake insurance, the mechanism of insurance acceptance and claim settlement, insurance funds are stated in detail. The annual expected loss rate of buildings under earthquake is suggested to be the main principle for the count of premium insurance expense rate. And the maximum expected loss rate of a period in the future is used to estimate the scale of earthquake insurance funds.
出处
《世界地震工程》
CSCD
北大核心
2006年第1期99-103,共5页
World Earthquake Engineering
关键词
建筑物
地震保险
承保一理赔机制
纯费率厘定
保险基金
building
earthquake insurance
mechanism of insurance acceptance and claim settlement
count of premium insurance expense rate
insurance funds
